My use for the formula you came up with has one nuance I didn't consider. I just realized something that will likely change the approach to what I was attempting and I apologize for the detour in advance. The challenge to be answered by traditional spreadsheet methods is "does an excess of simplicity itself create impenetrable and error-prone solutions?" The end of the Einstein quote you mentioned was ". The idea is that such a formula is less prone to errors of consistency than a traditional formula copied across a range. All a Lambda function does is allow one to write a formula in terms of parameters passed to it as variables. You found the use of Lambda functions off-putting. The method is far closer to the world of professional programmer than it is to that of a normal spreadsheet end-user. The 'simplicity' I set out to achieve is to generate each table from a single formula rather than the original 2240 individual formulas. The calculation produces an array of balance figures (columns H and M) and the other columns form no part of the calculation they are derived for information only. I accept that the calculation I presented is a mathematical abstraction of the problem and does not capture practical considerations no business practice is going to work with millionths of a cent.
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